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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $107,336 | $71,878+49.3% | $86,698+23.8% | $68,486+56.7% |
| Participation rate | 67.4% | 72.2%-4.8pp | 76.6%-9.1pp | 67.9%-0.5pp |
| Annual return | -14.03% | 3.53%-17.6pp | 35.95%-50.0pp | -7.85%-6.2pp |
| Employer contribution / active EE | $1,074 | $2,173-50.6% | $2,837-62.2% | $2,597-58.7% |
| Participant deferral / active EE | $2,933 | $3,779-22.4% | $4,656-37.0% | $4,028-27.2% |
| Admin fee / account holder | $3,024 | $6,113-50.5% | $7,493-59.6% | $5,404-44.0% |